u/MJrein

I just moved to KL 2 months ago and ngl most of my free time is spent on Overwatch (proud homebody). I’ve been playing the game for the past 9 years. I peaked at masters last season on Ashe/Sombra. Now just trying to play other heroes and chill/have fun.

I do play some other games like Meccha Chameleon when there’s people available. Also down to try other games.

It’s also kind of difficult to make friends here in KL (not that I’ve tried much 😂). Everyone in my workplace is much older than I am (I’m almost 29M and know close to nobody in Malaysia), so don’t really know how else to meet people. Im pretty chill and love funny people, so if you’re interested in playing hmu :) Down to even just go watch movies or something (I go almost every month or two when there’s something good on).

Hey everyone, I just relocated to Malaysia for work (as a Hong Kong citizen) and I’m trying to figure out the smartest way to allocate my monthly savings.

• I save about RM20k/month from salary, and I have a one time cash allowance this month for ~30k RM. Note I do not get bonuses.
• I already have an HSBC Premier account in Malaysia (need RM300k balance within a year to keep it).
• I also have an HSBC HK (normal) account that I use to fund my IBKR account (currently still registered under my HK address).

My priority is maximizing returns while avoiding high fees. HSBC Malaysia investment fees, after talking with Premier, seem to be insane. Unit trusts is 3% upfront everytime you have a lump sump, and SIP (6 year lock in period with guaranteed monthly investment requirement + Fees are 2.5–3% annual + 2–3% fund fees annual). IBKR is way cheaper (tiny FX + commission, ETFs with ~0.05–0.20% expense ratios).

So here’s my dilemma:

• If I keep RM300k in Malaysia (mostly cash), I retain Premier perks but sacrifice growth. Not that I really care to maintain premier that much, doesn’t seem super useful other than the ability to move cash between HK and Malaysia without fees.
• If I funnel my savings monthly from the Malaysian account to my HK account and then to IBKR, I lose a % on the FX transfer (RM to HKD) and then again a tiny bit on the FX transfer to USD. If I go this route I will lose the premier status in a year cause all my money will be in HK. I will only save about 3-4k RM per month as pure cash to keep my in local bank account.

Question 1: Should I just stick with my HK broker and follow this above strategy or pick a local Malaysian broker to make the process simpler? I heard moomoo might be a good one? The only concern I really have with IBKR is that Malaysian SFC doesn’t cover it, but the HK SFC does, so my money should theoretically be safe and it isn’t an issue for me to use my HK broker (as a citizen) right?

Question 2 allocation:

• What % should I put into US ETFs (VOO/SPY etc.) as my core long‑term growth engine? (Again I can DCA every month with the 20k savings/month)
• How much should I keep as “play money” for individual stocks, thematic ETFs, or even crypto?

I’m almost 29, medium‑high risk tolerance, goal is USD 1m net worth before I turn 40.

Would love any tips or advice as I know next to nothing about the Malaysian investment environment (I just got here a week ago). Thanks in advance.

Edit: forgot to mention I also have 25k RM in savings that I am free to completely invest in addition to the June allowance and savings.

Hey everyone. I’m starting my first day on Tuesday and I am extremely excited but also nervous. I have a couple of questions I’d like to ask.

1. There’s a monthly faculty meeting that’s apparently happening the first day I join, which I am also expected to attend. I’m pretty sure they’re going to ask me to give an introduction because it’s on the agenda. How long should this intro be? Should I just casually introduce where I’m from, where I got my degrees, and my research interests and stop in a minute?

2. Also faculty at this institution wear mostly business casual/formal (think blazers). I’m thinking of just wearing dark khakis/jeans, a dress shirt, and a normal blazer without tie. I also did consider dressing in a full suit for the first day but this country is hot and humid, and I don’t know if I’ll be too overdressed? The dean wears jeans and a blazer.

3. Lastly, should I be spending the first week reaching out to other faculty and having one on ones through zoom or in office? Or is it better to just have normal coffee chats when I run into them casually? One faculty already invited me for lunch with a colleague the following week.

I’d appreciate any kind of advice or tips! Thank you.

I have just moved to KL and I can’t find bottled root beer (like Virgil’s, Hanks, etc) anywhere. Does anyone know where I can get it or order online from? I am dying without my root beer fix and A&W doesn’t scratch that itch.